Platform model
Full-stack banking platform
Modular core banking SaaS for financial institutions.
BankingLab offers a full-suite API-driven banking software kit, comprised of core banking system (BankingLab Core), payment rails, digital channels (Internet Banking and App), digital onboarding and transaction monitoring solutions, as well as card processing and loans/deposits management.
Modular delivery. Launch with the capabilities needed first, then extend the platform with additional rails, channels, and servicing workflows as demand grows.
Built for staged delivery
Launch with a focused scope. Extend the platform without replatforming.
BankingLab supports phased delivery across accounts, onboarding, payments, cards, and digital channels, so teams can go live with the right launch scope and expand on the same operating foundation.
EUR 67B+ processed during 2025
18M+ transactions during 2025
13+ fintechs and banks on BankingLab Core
At a glance
Trusted banking software layer powering your financial operations
BankingLab has been trusted by top-tier financial institutions for more than 14 years to deliver secure, resilient and easily scalable core banking solutions.
BaaS scope
Accounts, payments, cards, compliance
Core adoption
13+ fintechs and banks
Operating history
14 years of operations
Platform modules
A full-suite of banking software modules available a la carte
BankingLab’s system is comprised of modular building blocks, allowing new financial institutions to ensure a phased delivery and scale with confidence. This homepage shows a selected subset of modules.
Module
01BankingLab Core
Cloud-based core banking infrastructure covering customer and account management, IBAN issuance, ledgering, pricing, treasury, FX, and regulatory reporting.
Explore capability Launch on a cloud-based core built for regulated operationsSupport both retail and business servicing from the same platform
Module
02Payments orchestration
A wide range of payment rails with configurable routing and monitoring.
Explore capability Shorten integration timelinesOperate with clearer rail coverage and monitoringIntegrate payment partners and rails swiftly and on-demand
Capabilities
Module
03Digital banking channels
Deliver mobile banking and internet banking as dedicated customer channels connected to the same account, payment, and servicing stack.
Explore capability Launch mobile and browser journeys without splitting the operating modelSupport consumer and business banking access patternsKeep app, web, and servicing flows aligned with the core platform
Capabilities
Module
04Cards issuing and processing
Launch a dedicated Visa debit card offering for both retail and business customers through BankingLab Processing centre and Card Management module.
Explore capability Launch debit cards for both retail and business segmentsKeep issuing, processing, and controls in one operating modelSupport wallet-ready card experiences from the same stackExtend cards across web, mobile, and API-driven journeys
Full platform view
Explore the complete BankingLab module set.
The homepage highlights only part of the platform. Open the platform page to review the broader module map, expansion paths, and how the stack extends beyond the modules shown here.
Why BankingLab
Engineering the future of Core Banking for 14+ years
BankingLab has been a BaaS platform of choice for leading financial institutions both within the EEA region and beyond.
- With 50+ specialists in house, it is more than a SaaS vendor - with deep experience in financial services and technology, we have developed strong relationships with local and international regulators, industry bodies and other key stakeholders. Our partners rely on us not only for the reliability and stability of our banking software, but also for swift customized development, industry insights and regulatory advice.
- In an ever-evolving landscape within the financial services industry, BankingLab has consistently helped its partners to successfully pass numerous regulatory inspections, swiftly deploy new financial products and penetrate new markets.
- Our platform supports both in-house delivery and third-party use through modular, API-driven architecture built around BankingLab Core and its Payment Orchestrator.
- Operating progress is visible in throughput, release cadence, support performance, and platform maturity.
Delivery signals
EUR 67B+ processed across BankingLab in 2025
18M+ transactions during 2025
13+ fintechs and banks using BankingLab Core
160 production upgrades released across clients in 2025
ISO, PCI Certified platform security
50+ In-house specialists
Solutions
Stacks shaped around your operating model.
Each solution page highlights the relevant core stack, operating scope, and expansion path for that business model.
Payment institutions
Account management, compliance workflows, reporting, and payment rails aligned into a launchable base stack.
EMIs
Digital onboarding, cards, mobile channels, and issuing capabilities layered on top of the modular core.
Banks
Treasury, lending, deposits, connectivity, and reporting presented as an extensible operational backbone.
Use case
Payment institution
Launch a payment stack with account management, compliance checks, reporting, and payment rails already connected.
- General ledger
- Customer accounts
- Accounting engine
- SEPA credit transfer
Use case
Electronic money institution
Add mobile channels, issuing, digital onboarding, and expanded payment capabilities around a modular EMI stack.
- Ledger and sub-ledger
- SEPA and instant payments
- KYC / KYB
- Transaction monitoring
Use case
Bank / core banking platform
Coordinate channels, payments, treasury, lending, deposits, and reporting with a banking stack designed for expansion.
- BankingLab Core
- SEPA, SWIFT, and Target2 connectivity
- FX and currency exchange
- Currencycloud connectivity
The Fundamentals
Reliable banking software, which is modular and vendor-agnostic.
Review the practical questions teams ask when comparing BankingLab for regulated products, embedded finance, and platform-led delivery.
What does BankingLab provide?
BankingLab provides a modular core banking SaaS platform and white-label banking services tailored to banks, PIs/EMIs, and other fintechs. Launch fast and expand over time across accounts, payments, cards, onboarding, transaction monitoring, digital channels and loans/deposits capabilities.
Are platform features available a la carte?
Yes! The platform is positioned as modular, allowing financial institutions to select the set of initial modules and add additional capabilities as the business scales.
Does BankingLab support integrations?
Yes! API access, partner rails, and channel integrations are part of the current platform positioning, including numerous payment rails, third-party providers (e.g. AML), as well as integrations with local and international reporting systems.
Contact sales
Contact our experts and map the shortest path to launch.
Use the commercial contact form to hear more about our banking software and white-label solutions and to schedule a demo.
Brief us clearly
Share target market, licensing status, delivery goals, and which capabilities you need first.
Receive expert advice
Our team will contact you to organize a call, tailor our banking software modules for your current needs and discuss which solutions will fit your planned timeline.
Want to engineer the future of banking together?
Go to our Careers page for the list of open roles.
Latest updates
Technical, product, and delivery updates.
Our expert insights on all things banking, payments, technology and regulation.
Blog
BankingLab Becomes a Baltic Region Pioneer with the Launch of Mastercard MoveBankingLab has successfully integrated the Mastercard Move payment infrastructure platform, becoming the first core banking provider in the Baltic Region to launch it in production.
Blog
Verification Of Payee (VOP) is now supported by BankingLabBankingLab has successfully added support for Verification Of Payee (VOP) scheme to its banking core and payment orchestration platform.
Full blog
Browse all BankingLab articles.
Higher volume of releases, deeper technical coverage, and expert takes on the changing landscape of financial regulations and delivery.